:root{color-scheme:light;--color-background:#fff;--color-ink:#071b3f;--color-muted:#3f4e68;--color-accent:#007b83;--color-link:#0645b5;--color-rule:#c9d5e3;--color-rule-strong:#7187a5;--color-subtle:#f4f8fb;--color-error:#c51d2a;--font-editorial:"Iowan Old Style", "Palatino Linotype", "Book Antiqua", Georgia, serif;--font-ui:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--content-width:1360px;--page-inline-total:clamp(2.5rem, 7vw, 7rem);--radius-control:10px;--space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4rem;--focus-ring:0 0 0 3px #007b8338}*,:before,:after{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth;text-size-adjust:100%}body{background:var(--color-background);min-width:280px;color:var(--color-ink);font-family:var(--font-ui);-webkit-font-smoothing:antialiased;margin:0;font-size:1rem;line-height:1.5;overflow-x:clip}button,input,select,summary{color:inherit;font:inherit}a{color:var(--color-link);text-underline-offset:.18em;text-decoration-thickness:.08em}a:hover{text-decoration-thickness:.12em}:focus-visible{outline:2px solid var(--color-accent);outline-offset:3px;border-radius:3px}img,svg{max-width:100%;display:block}h1,h2,h3,p,dl,dd,figure{margin-top:0}h1,h2,h3{color:var(--color-ink);font-family:var(--font-editorial);letter-spacing:-.018em}h1{margin-bottom:var(--space-2);font-size:clamp(2.45rem,4.2vw,3.35rem);line-height:1.02}h2{margin-bottom:var(--space-2);font-size:clamp(1.7rem,2.5vw,2.2rem);line-height:1.1}h3{margin-bottom:var(--space-2);font-size:1.25rem;line-height:1.2}.sr-only{clip:rect(0, 0, 0, 0)!important;white-space:nowrap!important;border:0!important;width:1px!important;height:1px!important;margin:-1px!important;padding:0!important;position:absolute!important;overflow:hidden!important}.skip-link{z-index:100;top:var(--space-3);left:var(--space-3);border-radius:var(--radius-control);background:var(--color-ink);color:#fff;padding:var(--space-3) var(--space-4);position:fixed;transform:translateY(-180%)}.skip-link:focus{transform:translateY(0)}.site-header{border-bottom:1px solid var(--color-rule);background:var(--color-background)}.site-header__inner,.page-shell,.site-footer__inner{width:min(calc(100% - var(--page-inline-total)), var(--content-width));margin-inline:auto}.site-header__inner{justify-content:space-between;align-items:stretch;gap:var(--space-6);min-height:4.25rem;display:flex}.brand{align-items:center;gap:var(--space-3);color:var(--color-ink);letter-spacing:-.018em;font-size:clamp(1.06rem,1.8vw,1.28rem);font-weight:650;text-decoration:none;display:inline-flex}.brand-mark{fill:none;width:2.1rem;stroke:var(--color-accent);stroke-linecap:round;stroke-linejoin:round;stroke-width:2.25px;flex:0 0 2.1rem}.desktop-nav{align-items:stretch;display:flex}.desktop-nav a{min-width:7rem;color:var(--color-ink);border-bottom:4px solid #0000;justify-content:center;align-items:center;font-size:.95rem;font-weight:600;text-decoration:none;display:flex}.desktop-nav a[aria-current=page]{border-bottom-color:var(--color-accent);color:var(--color-accent)}.mobile-nav{align-self:center;display:none;position:relative}.mobile-nav>summary{border:1px solid var(--color-rule-strong);border-radius:var(--radius-control);cursor:pointer;place-items:center;width:3rem;height:3rem;list-style:none;display:grid}.mobile-nav>summary::-webkit-details-marker{display:none}.mobile-nav svg{fill:none;width:1.7rem;stroke:var(--color-ink);stroke-linecap:round;stroke-width:1.8px}.mobile-nav nav{z-index:5;border:1px solid var(--color-rule);border-radius:var(--radius-control);min-width:10rem;padding:var(--space-2);background:#fff;position:absolute;top:calc(100% + .5rem);right:0}.mobile-nav nav a{padding:var(--space-3);color:var(--color-ink);font-weight:650;text-decoration:none;display:block}.page-shell{padding-block:1.25rem 3.75rem}.breadcrumb{margin-bottom:.9rem;font-size:.84rem;font-weight:600}.breadcrumb ol{flex-wrap:wrap;align-items:center;gap:.55rem;margin:0;padding:0;list-style:none;display:flex}.breadcrumb li+li:before{content:"/";color:var(--color-rule-strong);margin-right:.55rem}.breadcrumb a{color:var(--color-accent);text-decoration:none}.page-intro{margin-bottom:1.2rem}.page-intro p{max-width:70rem;margin-bottom:0;font-size:clamp(1rem,1.35vw,1.16rem)}.calculator-grid{margin-bottom:var(--space-4);grid-template-columns:minmax(0,5fr) minmax(0,7fr);align-items:start;gap:clamp(2rem,4.5vw,4.25rem);display:grid}.input-panel,.result-panel{min-width:0}.input-panel h2,.result-panel h2{margin-bottom:.55rem}.essential-fields{gap:.5rem;display:grid}.field{min-width:0}.field label{margin-bottom:.22rem;font-size:.86rem;font-weight:650;display:block}.field input,.field select,.down-payment-percent{border:1px solid var(--color-rule-strong);border-radius:var(--radius-control);background:var(--color-background);min-height:2.8rem;font-size:1.05rem;font-weight:550;line-height:1.2}.field input,.field select{width:100%;padding:.55rem .75rem}.field select{appearance:auto}.field input:hover,.field select:hover{border-color:var(--color-accent)}.field input:focus-visible,.field select:focus-visible{border-color:var(--color-accent);box-shadow:var(--focus-ring);outline:none}.field input[aria-invalid=true],.field select[aria-invalid=true]{border-color:var(--color-error);box-shadow:0 0 0 1px var(--color-error)}.field input[aria-invalid=true]:focus-visible,.field select[aria-invalid=true]:focus-visible{outline:3px solid var(--color-accent);outline-offset:3px;box-shadow:0 0 0 1px var(--color-error)}.field__helper{color:var(--color-muted);margin:.18rem 0 0;font-size:.78rem;line-height:1.35}.field__error{align-items:flex-start;gap:var(--space-2);color:var(--color-error);margin:.3rem 0 0;font-size:.8rem;font-weight:650;line-height:1.35;display:flex}.field__error:not([hidden]):before{background:var(--color-error);color:#fff;content:"!";border-radius:50%;flex:0 0 1.15rem;place-items:center;width:1.15rem;height:1.15rem;margin-top:.05rem;font-size:.75rem;line-height:1;display:inline-grid}.split-control{border:0;grid-template-columns:1fr minmax(5.5rem,25%);margin:0;padding:0;display:grid}.split-control input{border-radius:var(--radius-control) 0 0 var(--radius-control)}.down-payment-percent{border-radius:0 var(--radius-control) var(--radius-control) 0;min-width:0;color:var(--color-link);cursor:pointer;place-items:center;margin-left:-1px;padding:.35rem;display:grid}.down-payment-percent:hover{border-color:var(--color-accent);background:var(--color-subtle)}.down-payment-percent:focus-visible{z-index:1;border-color:var(--color-accent);box-shadow:var(--focus-ring);outline:none;position:relative}.accuracy-disclosure{margin-top:.75rem}.accuracy-disclosure>summary{color:var(--color-accent);cursor:pointer;align-items:flex-start;gap:.6rem;list-style:none;display:inline-flex}.accuracy-disclosure>summary::-webkit-details-marker{display:none}.schedule-disclosure>summary::-webkit-details-marker{display:none}.questions summary::-webkit-details-marker{display:none}.accuracy-disclosure>summary svg{fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:2px;flex:0 0 1.15rem;width:1.15rem;margin-top:.15rem;transition:transform .16s}.accuracy-disclosure[open]>summary svg{transform:rotate(90deg)}.accuracy-disclosure>summary span{display:grid}.accuracy-disclosure>summary strong{font-weight:650}.accuracy-disclosure>summary small{color:var(--color-muted);font-size:.78rem}.advanced-fields{gap:var(--space-3);margin-top:var(--space-4);border:1px solid var(--color-rule);border-radius:var(--radius-control);padding:var(--space-4);display:grid}.advanced-fields>a,.advanced-fields>.text-button,.reset-link{justify-self:start;font-size:.88rem}.text-button{appearance:none;min-height:2.75rem;color:var(--color-link);cursor:pointer;text-align:left;text-underline-offset:.18em;background:0 0;border:0;padding:.55rem 0;text-decoration:underline .08em}.text-button:hover{text-decoration-thickness:.12em}.reset-link{margin-top:.45rem;display:inline-block}.notice{border:1px solid var(--color-rule-strong);border-radius:var(--radius-control);margin-top:var(--space-4);padding:var(--space-3) var(--space-4)}.result-state{color:var(--color-muted);margin-bottom:.15rem;font-size:.83rem;font-weight:600}.invalid-guidance{color:var(--color-muted);margin:.85rem 0 0;font-weight:600}.calculation-error{border:2px solid var(--color-error);border-radius:var(--radius-control);padding:clamp(1.25rem,4vw,2rem)}.calculation-error h2{font-size:clamp(1.55rem,2.4vw,2rem)}.calculation-error p{max-width:38rem}.recovery-button{border-radius:var(--radius-control);min-height:2.75rem;margin:0 var(--space-4) var(--space-3) 0;background:var(--color-accent);color:#fff;cursor:pointer;border:0;padding:.65rem 1.25rem;font-weight:700}.result-panel>h2{font-size:clamp(1.75rem,2.5vw,2.35rem)}.result-total{white-space:nowrap;align-items:baseline;gap:.7rem;margin-bottom:.2rem;display:flex}.result-total strong{font-family:var(--font-editorial);letter-spacing:-.045em;font-size:clamp(3.4rem,6vw,4.75rem);font-weight:700;line-height:.95}.result-total span{font-size:clamp(1.15rem,2vw,1.45rem);font-weight:600}.mortgage-subtotal,.result-disclaimer,.exclusions{margin-bottom:.55rem;font-size:.86rem}.result-disclaimer{color:var(--color-muted)}.result-panel>h3,.result-panel [data-current-result-only]>h3{font-family:var(--font-ui);letter-spacing:0;margin:.85rem 0 .25rem;font-size:1.03rem}.definition-rows{margin-bottom:.65rem}.definition-row{align-items:baseline;gap:var(--space-4);border-bottom:1px solid var(--color-rule);grid-template-columns:minmax(0,1fr) auto;padding:.38rem 0;font-size:.91rem;display:grid}.definition-row dt,.definition-row dd{margin:0}.definition-row dd{text-align:right;font-weight:600}.definition-row--accent{color:var(--color-accent);font-size:1rem;font-weight:700}.exclusions{line-height:1.42}.loan-summary{gap:var(--space-5);border-bottom:1px solid var(--color-rule);grid-template-columns:repeat(3,minmax(0,1fr));padding-bottom:.7rem;display:grid}.loan-summary .definition-row{border:0;padding:0;display:block}.loan-summary .definition-row dd{font-family:var(--font-editorial);text-align:left;font-size:1.25rem}.result-links{gap:var(--space-5);flex-wrap:wrap;font-size:.88rem;display:flex}.section-rule-heading{border-top:1px solid var(--color-rule);padding-top:.55rem}.section-rule-heading h2{margin-bottom:0}.section-intro{margin-bottom:.65rem;font-size:.9rem}.scenario-section{margin-top:.4rem}.scenario-desktop{border:1px solid var(--color-rule);border-bottom:0}.scenario-grid{border-bottom:1px solid var(--color-rule);grid-template-columns:1.2fr repeat(4,minmax(0,1fr));align-items:center;min-height:2.4rem;display:grid}.scenario-grid>span{padding:.5rem .75rem;font-size:.86rem}.scenario-grid--header{background:var(--color-subtle);min-height:2rem;font-weight:700}.scenario-grid--header>span{font-size:.78rem}.scenario-grid--current{color:var(--color-accent);font-weight:650;position:relative}.scenario-grid--current:before{background:var(--color-accent);content:"";width:3px;position:absolute;inset:-1px auto -1px -1px}.scenario-mobile{display:none}.comparison-note{color:var(--color-muted);margin:.45rem 0 0;font-size:.78rem}.ad-slot{--ad-creative-width:320px;--ad-creative-height:100px;width:var(--ad-creative-width);max-width:calc(100% + var(--page-inline-total));border-top:1px solid var(--color-rule);border-bottom:1px solid var(--color-rule);min-height:148px;padding:var(--space-3) 0;flex-direction:column;justify-content:flex-start;align-items:center;margin:.65rem 0 .65rem 50%;display:flex;transform:translate(-50%)}.ad-slot__label{color:var(--color-muted);font-size:.76rem}.ad-slot__space{width:100%;min-height:var(--ad-creative-height);flex:1 0 var(--ad-creative-height)}.balance-section{margin-top:.35rem}.balance-kicker{font-family:var(--font-editorial);margin:.25rem 0 0;font-size:1.22rem;font-weight:700}.balance-layout{grid-template-columns:minmax(0,1.65fr) minmax(16rem,.9fr);align-items:center;gap:clamp(2rem,5vw,5rem);display:grid}.balance-chart{margin-bottom:0}.balance-chart svg{width:100%;min-height:15rem;overflow:visible}.balance-chart__mobile{display:none}.chart-axis{stroke:var(--color-rule-strong);stroke-width:1px}.chart-area{fill:#e9f5f5}.chart-line{fill:none;stroke:var(--color-ink);stroke-linecap:round;stroke-linejoin:round;stroke-width:3px}.chart-label{fill:var(--color-ink);font-family:var(--font-ui);font-size:14px}.balance-summary .definition-row{font-size:.86rem}.balance-summary>a{margin-top:var(--space-3);font-size:.86rem;display:inline-block}.accessible-data{margin-top:var(--space-2)}.accessible-data>summary{color:var(--color-link);cursor:pointer;text-underline-offset:.18em;font-size:.88rem;text-decoration:underline}.schedule-section{margin-top:var(--space-3);border-top:1px solid var(--color-rule);padding-top:.65rem}.schedule-mobile{display:none}.schedule-disclosure>summary{cursor:pointer;justify-content:space-between;align-items:center;list-style:none;display:flex}.schedule-disclosure>summary h2{width:100%;font-family:var(--font-editorial);justify-content:space-between;align-items:center;margin:0;font-size:clamp(1.55rem,2.25vw,1.95rem);display:flex}.schedule-disclosure>summary small{display:none}.schedule-disclosure>summary svg{fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:2px;width:1.5rem;transition:transform .16s;display:none}.schedule-disclosure:not([open])>summary svg{transform:rotate(-90deg)}.schedule-intro{margin-bottom:.45rem;font-size:.86rem}.schedule-period{border-bottom:3px solid var(--color-accent);color:var(--color-accent);margin-bottom:0;padding:.55rem 1rem;font-size:.84rem;font-weight:700}.table-scroll{overscroll-behavior-inline:contain;max-width:100%;overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:.82rem}caption{clip:rect(0, 0, 0, 0);width:1px;height:1px;position:absolute;overflow:hidden}th,td{border-bottom:1px solid var(--color-rule);text-align:left;white-space:nowrap;padding:.4rem .75rem}thead th{border-top:1px solid var(--color-rule);background:var(--color-subtle);font-size:.76rem}.assumptions-band{margin-top:var(--space-4);border:1px solid var(--color-rule);background:var(--color-subtle);padding:var(--space-4);border-radius:3px}.assumptions-band h2{font-size:1.3rem}.assumptions-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.5rem,5vw,4rem);display:grid}.assumptions-grid h3{font-family:var(--font-ui);letter-spacing:0;margin-bottom:.25rem;font-size:.82rem}.assumptions-grid p,.assumptions-band>a{font-size:.8rem}.assumptions-grid p{margin-bottom:.45rem}.assumptions-mobile-summary{display:none}.methodology-grid{margin-top:var(--space-5);grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(2rem,7vw,7rem);display:grid}.methodology-grid h2{margin-bottom:.3rem;font-size:1.55rem}.methodology-grid p,.methodology-grid a{font-size:.84rem}.formula{align-items:center;gap:var(--space-2);padding-block:var(--space-2);font-family:var(--font-editorial);white-space:nowrap;display:flex;overflow-x:auto;font-size:1rem!important}.worked-example .definition-row{font-size:.82rem}.review-rail{justify-content:space-between;gap:var(--space-2) var(--space-5);margin-top:var(--space-5);border-top:1px solid var(--color-rule);border-bottom:1px solid var(--color-rule);color:var(--color-muted);flex-wrap:wrap;padding:.55rem 0;font-size:.75rem;display:flex}.review-rail p{margin:0}.questions{margin-top:var(--space-4)}.questions h2{font-size:1.4rem}.questions details{border-top:1px solid var(--color-rule)}.questions details:last-child{border-bottom:1px solid var(--color-rule)}.questions summary{cursor:pointer;padding:.75rem 2.5rem .75rem .5rem;font-size:.86rem;font-weight:700;list-style:none;position:relative}.questions summary:after{content:"";border-bottom:2px solid;border-right:2px solid;width:.55rem;height:.55rem;position:absolute;top:50%;right:.75rem;transform:translateY(-70%)rotate(45deg)}.questions details[open] summary:after{transform:translateY(-20%)rotate(225deg)}.questions details p{max-width:60rem;margin-bottom:var(--space-3);color:var(--color-muted);padding-inline:.5rem;font-size:.86rem}.site-footer{border-top:4px solid var(--color-accent);background:var(--color-ink);color:#d9e4ef;padding-block:clamp(2.75rem, 6vw, 4.75rem) var(--space-6)}.site-footer__inner{grid-template-columns:minmax(14rem,.8fr) minmax(0,1.7fr);gap:clamp(2.5rem,7vw,7rem);display:grid}.site-footer__brand>a{color:#fff;font-family:var(--font-editorial);letter-spacing:-.02em;font-size:1.45rem;font-weight:700;text-decoration:none}.site-footer__brand p{max-width:22rem;margin:var(--space-3) 0 0;color:#b9c9da;font-size:.88rem}.site-footer__nav-grid{gap:var(--space-6);grid-template-columns:repeat(3,minmax(0,1fr));display:grid}.site-footer__nav-grid nav{align-content:start;gap:.55rem;display:grid}.site-footer__nav-grid h2{margin-bottom:var(--space-2);color:#8fced1;font-family:var(--font-ui);letter-spacing:.09em;text-transform:uppercase;font-size:.72rem;font-weight:750;line-height:1.3}.site-footer__nav-grid a{color:#fff;font-size:.86rem;text-decoration-color:#ffffff6b}.site-footer__nav-grid a[aria-current=page]{color:#8fced1;font-weight:700}.site-footer__meta{justify-content:space-between;gap:var(--space-2) var(--space-5);padding-top:var(--space-4);border-top:1px solid #ffffff2e;flex-wrap:wrap;grid-column:1/-1;display:flex}.site-footer__meta p{color:#a9bbce;margin:0;font-size:.76rem}.home-redirect{width:min(calc(100% - var(--page-inline-total)), 78rem);margin:0 auto;padding-block:clamp(3.5rem,8vw,7rem)}.home-hero{max-width:66rem;margin-bottom:clamp(3.5rem,8vw,6.5rem)}.home-hero h1{max-width:59rem;font-size:clamp(3rem,6.5vw,5.8rem);line-height:.96}.home-eyebrow{margin-bottom:var(--space-3);color:var(--color-accent);letter-spacing:.1em;text-transform:uppercase;font-size:.76rem;font-weight:750}.home-lede{max-width:48rem;margin:var(--space-5) 0 0;color:var(--color-muted);font-size:clamp(1.1rem,2vw,1.35rem)}.home-tool-list{margin:var(--space-5) 0 clamp(4rem, 9vw, 7rem);border-top:1px solid var(--color-rule);border-bottom:1px solid var(--color-rule);grid-template-columns:repeat(3,minmax(0,1fr));gap:0;padding:0;display:grid}.home-tool-list article{min-width:0;padding:clamp(1.5rem,3vw,2.5rem)}.home-tool-list article+article{border-left:1px solid var(--color-rule)}.home-tool-list__number{margin-bottom:var(--space-6);color:var(--color-accent);letter-spacing:.08em;font-size:.76rem;font-weight:750}.home-tool-list h3{font-size:clamp(1.35rem,2.1vw,1.75rem)}.home-tool-list h3 a{color:var(--color-ink);text-decoration-color:var(--color-accent)}.home-tool-list article>p:last-child{color:var(--color-muted);margin-bottom:0;font-size:.92rem}.home-principles,.home-trust-callout{grid-template-columns:minmax(0,.85fr) minmax(0,1.4fr);gap:clamp(2rem,7vw,6rem);display:grid}.home-principles{border-left:4px solid var(--color-accent);background:var(--color-subtle);padding:clamp(1.75rem,4vw,3.5rem)}.home-principles h2,.home-trust-callout h2{font-size:clamp(1.8rem,3.5vw,2.7rem)}.home-principles dl{gap:var(--space-5);margin:0;display:grid}.home-principles dt{margin-bottom:var(--space-1);font-weight:750}.home-principles dd{color:var(--color-muted);margin:0}.home-trust-callout{border-top:1px solid var(--color-rule);align-items:end;margin-top:clamp(4rem,9vw,7rem);padding-top:clamp(2rem,5vw,4rem)}.home-trust-callout>p{color:var(--color-muted);margin-bottom:0;font-size:1.05rem}.content-page{width:min(calc(100% - var(--page-inline-total)), 78rem);padding-block:clamp(2rem,5vw,4.5rem) clamp(4rem,9vw,7rem)}.content-page__intro{max-width:62rem;margin-bottom:var(--space-6)}.content-page__eyebrow{color:var(--color-accent);letter-spacing:.1em;text-transform:uppercase;font-weight:750;margin-bottom:var(--space-2)!important;font-size:.76rem!important}.content-page__intro>p:last-child{max-width:52rem;color:var(--color-muted);font-size:clamp(1.05rem,1.8vw,1.25rem)}.review-status{max-width:66rem;margin-block:var(--space-6) clamp(3rem, 7vw, 5rem);border-width:0 0 0 4px;border-color:var(--color-accent);background:var(--color-subtle);border-radius:0;padding:clamp(1.25rem,3vw,2rem)}.review-status h2{margin-bottom:var(--space-2);font-size:1.35rem}.review-status__state{margin-bottom:var(--space-2);color:var(--color-accent)}.review-status>p:last-child,.review-status__gates ul{margin-bottom:0}.review-status__gates{margin-top:var(--space-4)}.review-status__gates h3{margin-bottom:var(--space-2);font-family:var(--font-ui);letter-spacing:0;font-size:.9rem}.review-links{margin:calc(-1 * var(--space-4)) 0 var(--space-6);color:var(--color-muted);font-size:.82rem}.content-page__contents{gap:var(--space-2) var(--space-5);border-block:1px solid var(--color-rule);padding-block:var(--space-3);flex-wrap:wrap;margin-bottom:clamp(3rem,7vw,5rem);font-size:.82rem;display:flex}.content-page__contents strong{color:var(--color-muted)}.content-page__body{max-width:70rem}.content-page__body>section{border-top:1px solid var(--color-rule);margin-top:clamp(2.75rem,7vw,5rem);padding-top:clamp(1.5rem,3vw,2.5rem)}.content-page__body>section:first-child{margin-top:0}.content-page__body h2{max-width:50rem;font-size:clamp(1.75rem,3vw,2.35rem)}.content-page__body h3{max-width:50rem;margin-top:var(--space-6)}.content-page__body p,.content-page__body>section>ul,.content-page__body>section>ol{max-width:54rem}.content-page__body li+li{margin-top:var(--space-2)}.content-page__body code{background:var(--color-subtle);border-radius:3px;padding:.08em .28em;font-size:.92em}.content-page__body .formula{border-left:3px solid var(--color-accent);background:var(--color-subtle);max-width:54rem;padding:var(--space-4)}.source-list{margin:var(--space-5) 0 0;padding-left:1.4rem;max-width:62rem!important}.source-list li{border-bottom:1px solid var(--color-rule);padding:0 0 var(--space-4) var(--space-2)}.source-list li+li{margin-top:var(--space-4)}.source-list p{margin-bottom:var(--space-1)}.source-list p:last-child{color:var(--color-muted);font-size:.88rem}.decision-tool-page .calculator-grid{margin-bottom:var(--space-5)}.decision-result-total{white-space:normal;flex-wrap:wrap}.decision-result-total strong{overflow-wrap:anywhere;max-width:100%}.decision-result-support{margin-bottom:var(--space-3);color:var(--color-muted);font-size:1rem}.local-actions{justify-content:space-between;align-items:center;gap:var(--space-3) var(--space-5);margin-block:var(--space-4);border-block:1px solid var(--color-rule);padding-block:var(--space-3);display:flex}.local-actions__buttons{align-items:center;gap:var(--space-2) var(--space-4);flex-wrap:wrap;flex:none;display:flex}.local-actions p{color:var(--color-muted);text-align:right;margin:0;font-size:.8rem}.secondary-button{border:1px solid var(--color-rule-strong);border-radius:var(--radius-control);background:var(--color-background);min-height:2.75rem;color:var(--color-ink);cursor:pointer;padding:.55rem 1rem;font-weight:700}.secondary-button:hover{border-color:var(--color-accent);background:var(--color-subtle)}.secondary-button:focus-visible,.local-actions .text-button:focus-visible,.table-scroll:focus-visible{outline:3px solid var(--color-accent);outline-offset:3px;box-shadow:var(--focus-ring)}.decision-table-section,.same-payment-section,.related-tools{margin-top:var(--space-5)}.decision-table-section{border-top:1px solid var(--color-rule);padding-top:var(--space-3)}.decision-table-section h2,.same-payment-section h2,.related-tools h2{margin-bottom:.3rem;font-size:clamp(1.55rem,2.25vw,1.95rem)}.decision-table-section>p,.same-payment-section>p,.related-tools p{color:var(--color-muted)}.decision-table-section>p{margin-bottom:var(--space-3);font-size:.9rem}.decision-table-section table{min-width:44rem}.decision-table-section tbody tr{background:var(--color-background)}.decision-table-section tbody tr:nth-child(2n){background:var(--color-subtle)}.decision-row--starting>*{border-top:2px solid var(--color-ink);border-bottom:2px solid var(--color-ink);font-weight:700}.decision-row--starting>:first-child{box-shadow:inset 4px 0 0 var(--color-ink)}.decision-row--comparison>*{border-top:2px solid var(--color-accent);border-bottom:2px solid var(--color-accent);background:#e9f5f5;font-weight:700}.decision-row--comparison>:first-child{box-shadow:inset 4px 0 0 var(--color-accent)}.decision-row--starting.decision-row--comparison>:first-child{box-shadow:inset 4px 0 0 var(--color-ink), inset 8px 0 0 var(--color-accent)}.decision-row--difference>*{border-top:1px solid var(--color-rule-strong);font-weight:700}.same-payment-section{border:1px solid var(--color-rule);border-left:4px solid var(--color-accent);border-radius:var(--radius-control);background:var(--color-subtle);padding:clamp(1rem,2.5vw,1.5rem)}.same-payment-section p{max-width:74rem;margin-bottom:var(--space-2)}.same-payment-section p:last-child{color:var(--color-ink);margin-bottom:0;font-size:.88rem}.balance-comparison-section{margin-top:var(--space-5)}.related-tools{border-top:1px solid var(--color-rule);padding-top:var(--space-4)}.related-tools ul{gap:var(--space-4);grid-template-columns:repeat(2,minmax(0,1fr));margin:0;padding:0;list-style:none;display:grid}.related-tools li{border-left:3px solid var(--color-accent);padding-left:var(--space-3)}.related-tools a{font-weight:700}.related-tools p{margin:var(--space-1) 0 0;font-size:.86rem}@media (width<=1023px){.calculator-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:2rem}.loan-summary{grid-template-columns:1fr;gap:.45rem}.loan-summary .definition-row{grid-template-columns:minmax(0,1fr) auto;display:grid}.loan-summary .definition-row dd{font-family:var(--font-ui);text-align:right;font-size:.91rem}.scenario-grid{grid-template-columns:1.25fr repeat(4,minmax(0,1fr))}.scenario-grid>span{padding-inline:.45rem;font-size:.76rem}.balance-layout{gap:var(--space-5);grid-template-columns:minmax(0,1.4fr) minmax(15rem,.8fr)}}@media (width<=767px){:root{--page-inline-total:2.25rem}html{scroll-behavior:auto}.site-header__inner,.page-shell,.site-footer__inner{width:min(calc(100% - var(--page-inline-total)), var(--content-width))}.site-header__inner{align-items:center;gap:var(--space-3);min-height:5.2rem}.brand{gap:.75rem;font-size:1.05rem;line-height:1.1}.brand-mark{flex-basis:2.7rem;width:2.7rem}.desktop-nav{display:none}.mobile-nav{display:block}.page-shell{padding-top:1.3rem}.breadcrumb{clip:rect(0, 0, 0, 0);width:1px;height:1px;position:absolute;overflow:hidden}.page-intro{margin-bottom:1.65rem}h1{font-size:clamp(2.25rem,10vw,2.5rem)}.page-intro p{font-size:1.08rem;line-height:1.48}.calculator-grid{display:block}.input-panel{margin-bottom:1.1rem}.input-panel h2,.result-panel>h2{font-size:1.9rem}.essential-fields{gap:.8rem}.field label{margin-bottom:.3rem;font-size:1rem}.field input,.field select,.down-payment-percent{min-height:3.25rem;font-size:1.05rem}.field__helper,.field__error,.accuracy-disclosure>summary small{font-size:.9rem}.accuracy-disclosure{margin-top:var(--space-4)}.accuracy-disclosure>summary{gap:.7rem;font-size:1.05rem}.accuracy-disclosure>summary svg{flex-basis:1.35rem;width:1.35rem}.reset-link{margin-top:.75rem;font-size:1rem}.text-button,.recovery-button{min-height:3rem}.result-panel{border-top:1px solid var(--color-rule);padding-top:.75rem}.result-state{font-size:.94rem}.result-total{gap:.75rem}.result-total strong{font-size:clamp(3.75rem,17vw,4.6rem)}.result-total span{font-size:1.3rem}.decision-result-total strong{font-size:clamp(3.15rem,15vw,4.25rem)}.decision-result-support{font-size:1rem}.local-actions{margin-block:var(--space-5);display:block}.local-actions__buttons{gap:var(--space-2) var(--space-3)}.local-actions p{margin-top:var(--space-2);text-align:left;font-size:.9rem}.decision-table-section,.same-payment-section,.related-tools{margin-top:var(--space-6)}.decision-table-section h2,.same-payment-section h2,.related-tools h2{font-size:1.55rem}.decision-table-section>p,.same-payment-section>p,.related-tools p{font-size:.94rem}.decision-table-section .table-scroll{max-width:100%}.related-tools ul{grid-template-columns:1fr}.mortgage-subtotal,.result-disclaimer,.exclusions,.definition-row{font-size:.95rem}.result-panel>h3,.result-panel [data-current-result-only]>h3{font-size:1.05rem}.definition-row{padding-block:.52rem}.loan-summary .definition-row,.loan-summary .definition-row dd{font-size:.95rem}.result-links{gap:.3rem;font-size:1rem;display:grid}.scenario-section{margin-top:var(--space-4)}.section-rule-heading{padding-top:.8rem}.section-rule-heading h2,.balance-section h2{font-size:2rem}.section-intro{font-size:1rem;line-height:1.5}.scenario-desktop{display:none}.scenario-mobile{display:block}.scenario-card{border-bottom:1px solid var(--color-rule);padding:1.25rem 1rem}.scenario-card--current{border-left:3px solid var(--color-accent)}.scenario-card h3{margin-bottom:var(--space-3);font-size:1.65rem}.scenario-card--current h3{color:var(--color-accent)}.scenario-card h3 span{font-family:var(--font-ui);font-size:1rem;font-weight:500}.scenario-card dl{grid-template-columns:repeat(2,minmax(0,1fr));margin:0;display:grid}.scenario-card dl>div{border-bottom:1px solid var(--color-rule);padding:.7rem 0}.scenario-card dl>div:nth-child(odd){padding-right:var(--space-4)}.scenario-card dt{font-size:.92rem}.scenario-card dd{font-family:var(--font-editorial);margin:.15rem 0 0;font-size:clamp(1.5rem,7vw,1.9rem);font-weight:700}.comparison-note{font-size:.94rem;line-height:1.45}.ad-slot{margin-block:.85rem}.ad-slot__label{font-size:.88rem}.balance-section{margin-top:var(--space-5)}.balance-kicker{display:none}.balance-layout{display:block}.balance-chart svg{min-height:auto}.balance-chart__desktop{display:none}.balance-chart__mobile{display:block}.chart-line{stroke-width:3.5px}.chart-label{font-size:16px}.balance-summary{margin-top:.25rem}.balance-summary .definition-row:nth-child(3){display:none}.balance-summary .definition-row,.balance-summary>a{font-size:1rem}.schedule-section{margin-top:var(--space-5);border:0;padding:0}.schedule-desktop{display:none}.schedule-mobile{display:block}.schedule-disclosure{border:1px solid var(--color-rule-strong);border-radius:var(--radius-control)}.schedule-disclosure>summary{min-height:4.5rem;padding:.8rem 1rem}.schedule-title{display:grid}.schedule-disclosure>summary h2{font-size:1.28rem}.schedule-disclosure>summary small,.schedule-disclosure>summary svg{display:block}.schedule-intro,.schedule-period,.schedule-disclosure .table-scroll{margin-inline:var(--space-4)}.assumptions-band{margin-top:var(--space-4);border-radius:var(--radius-control);padding:var(--space-4) var(--space-4) var(--space-4) 4.75rem;border:0;position:relative}.assumptions-band:before{top:var(--space-4);left:var(--space-4);border:2px solid var(--color-accent);width:2rem;height:2rem;color:var(--color-accent);content:"i";font-family:var(--font-editorial);border-radius:50%;place-items:center;font-size:1.25rem;font-weight:700;display:grid;position:absolute}.assumptions-band h2{font-size:1.4rem}.assumptions-grid{display:none}.assumptions-mobile-summary{margin-bottom:.45rem;display:block}.assumptions-grid p,.assumptions-mobile-summary,.assumptions-band>a{font-size:.94rem}.methodology-grid{margin-top:var(--space-5);display:block}.methodology-grid>div+div{margin-top:var(--space-6)}.methodology-grid h2{font-size:1.55rem}.methodology-grid p,.methodology-grid a{font-size:.94rem}.review-rail{font-size:.82rem;display:block}.review-rail p+p{margin-top:var(--space-2)}.questions h2{font-size:1.55rem}.questions summary,.questions details p{font-size:.94rem}.home-redirect{width:min(calc(100% - var(--page-inline-total)), 78rem);padding-block:2.75rem 4.5rem}.home-hero{margin-bottom:3.5rem}.home-hero h1{font-size:clamp(2.8rem,14vw,4.4rem)}.home-tool-list{grid-template-columns:1fr;margin-bottom:4rem}.home-tool-list article{padding-inline:0}.home-tool-list article+article{border-top:1px solid var(--color-rule);border-left:0}.home-tool-list__number{margin-bottom:var(--space-3)}.home-principles,.home-trust-callout{gap:var(--space-5);grid-template-columns:1fr}.content-page{width:min(calc(100% - var(--page-inline-total)), 78rem);padding-bottom:4.5rem}.content-page__contents{gap:var(--space-2);display:grid}.review-status{margin-bottom:3.5rem}.site-footer__inner{gap:var(--space-6);grid-template-columns:1fr}.site-footer__nav-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.site-footer__brand p{margin-top:var(--space-2)}}@media (width<=499px){.site-footer__nav-grid{gap:var(--space-6);grid-template-columns:1fr}.site-footer__meta{display:grid}}@media (width<=374px){:root{--page-inline-total:2rem}.site-header__inner,.page-shell,.site-footer__inner{width:calc(100% - var(--page-inline-total))}.brand{gap:.5rem;font-size:.92rem}.brand-mark{flex-basis:2.1rem;width:2.1rem}.mobile-nav>summary{width:2.75rem;height:2.75rem}.site-header__inner{gap:.5rem}.result-total strong{font-size:clamp(3.2rem,17vw,3.75rem)}.result-total{white-space:normal;flex-wrap:wrap}.result-total span{font-size:1.12rem}.decision-result-total strong{font-size:clamp(2.55rem,14vw,3.2rem)}.local-actions__buttons{display:grid}.local-actions__buttons .secondary-button,.local-actions__buttons .text-button{text-align:center;justify-self:stretch;width:100%}.same-payment-section{padding:var(--space-4)}.assumptions-band{padding-left:var(--space-4)}.assumptions-band:before{margin-bottom:var(--space-2);position:static}.scenario-card dl{grid-template-columns:1fr}.scenario-card dl>div:nth-child(odd){padding-right:0}}@media (width>=375px) and (width<=767px){.page-intro h1{font-size:clamp(2rem,9.2vw,2.25rem)}}@media (width<=319px){.ad-slot{min-height:0;display:none}}@media (width>=500px){.ad-slot{--ad-creative-width:468px;--ad-creative-height:60px}}@media (width>=800px){.ad-slot{--ad-creative-width:728px;--ad-creative-height:90px}}@media (width>=1100px){.ad-slot{--ad-creative-width:970px;--ad-creative-height:90px}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important}}@media print{.skip-link,.site-header,.mobile-nav,.breadcrumb,.input-panel,.local-actions,.ad-slot,.related-tools,.questions,.site-footer{display:none!important}.page-shell{width:100%;padding:0}.calculator-grid{margin-bottom:1.25rem;display:block}.result-panel{border:0;padding:0}.decision-tool-page button{display:none!important}.table-scroll{overflow:visible}.decision-table-section table{min-width:0;font-size:.72rem}.decision-table-section,.same-payment-section,.assumptions-band,.methodology-grid,.review-rail{break-inside:avoid}.decision-row--comparison>*{print-color-adjust:exact}}.mortgage-rates-page{padding-bottom:4rem}.benchmark-freshness{border-left:3px solid var(--teal);color:var(--ink);background:#f5fbfb;align-items:baseline;gap:.6rem;margin:1.2rem 0 1.5rem;padding:.85rem 1rem;font-size:.9rem;display:flex}.benchmark-freshness--stale{background:#fff8eb;border-left-color:#b45309}.benchmark-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;display:grid}.benchmark-card{border:1px solid var(--line);padding:1.35rem}.benchmark-card__headline{justify-content:space-between;align-items:flex-end;gap:1rem;display:flex}.benchmark-card__label,.benchmark-card__dates dt,.benchmark-chart figcaption,.benchmark-card__delta{font-size:.82rem}.benchmark-card__label{color:var(--muted);margin:0;font-weight:700}.benchmark-card__rate{font-family:var(--font-display);color:var(--ink);margin:.25rem 0 0;font-size:clamp(2.3rem,5vw,3.4rem);line-height:.95}.benchmark-card__dates{gap:.3rem;min-width:max-content;margin:0;display:grid}.benchmark-card__dates div{grid-template-columns:auto auto;justify-content:end;gap:.45rem;display:grid}.benchmark-card__dates dt{color:var(--muted)}.benchmark-card__dates dd{margin:0;font-size:.82rem}.benchmark-chart{margin:1rem 0 0}.benchmark-chart svg{width:100%;height:auto;display:block;overflow:visible}.benchmark-chart__grid{stroke:var(--line);stroke-width:1px}.benchmark-chart__line{fill:none;stroke:var(--teal);stroke-width:2.5px;stroke-linecap:round;stroke-linejoin:round}.benchmark-chart__point{fill:var(--teal)}.benchmark-chart__axis,.benchmark-chart__date{fill:var(--muted);font-family:var(--font-sans);font-size:10px}.benchmark-chart__value{fill:var(--ink);font-family:var(--font-sans);font-size:10px;font-weight:700}.benchmark-chart figcaption{color:var(--muted);margin-top:.2rem}.benchmark-card__delta{border-top:1px solid var(--line);color:var(--ink);margin:.9rem 0 0;padding-top:.75rem}.benchmark-card__delta strong{color:var(--teal-dark)}.benchmark-context,.benchmark-payment,.benchmark-provenance{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:1.5rem;margin-top:1.5rem;padding:1.35rem 0;display:grid}.benchmark-context h2,.benchmark-payment h2,.benchmark-history h2,.benchmark-provenance h2{margin-top:0}.benchmark-context p,.benchmark-provenance p{max-width:66ch}.benchmark-context__warning{border:1px solid var(--ink);align-self:center;padding:1rem 1.15rem}.benchmark-context__warning h2{font-size:1.2rem}.benchmark-context__warning p{margin-bottom:0}.benchmark-payment{align-items:end}.benchmark-payment__fields{grid-template-columns:repeat(3,minmax(0,1fr))}.benchmark-payment__result{border-left:1px solid var(--line);padding-left:1.5rem}.benchmark-payment__result>:last-child{margin-bottom:0}.benchmark-payment__total{align-items:baseline;gap:.45rem;margin:.5rem 0;display:flex}.benchmark-payment__total strong{font-family:var(--font-display);color:var(--ink);font-size:clamp(2rem,4vw,3rem)}.benchmark-payment__total span{font-weight:700}.benchmark-history{margin-top:1.5rem}.benchmark-history table td:nth-child(n+2),.benchmark-history table th:nth-child(n+2){text-align:right}.benchmark-provenance{align-items:start}@media (width<=760px){.benchmark-grid,.benchmark-context,.benchmark-payment,.benchmark-provenance{grid-template-columns:1fr}.benchmark-card__headline{flex-direction:column;align-items:start}.benchmark-card__dates div{justify-content:start}.benchmark-payment__fields{grid-template-columns:1fr}.benchmark-payment__result{border-left:0;border-top:1px solid var(--line);padding:1.25rem 0 0}}@media (width<=440px){.benchmark-freshness{flex-direction:column;align-items:flex-start;gap:.25rem}.benchmark-card{padding:1rem}.benchmark-chart__axis,.benchmark-chart__date,.benchmark-chart__value{font-size:9px}}
